If you buy the Foreman plan annually, you pay $290 and the plan includes $240 of wallet credit for the year. The obvious way to deliver that is to drop $240 into your wallet on day one. We do not do that, and this post explains why - because if a billing system only works when nobody ever cancels or changes plans, it is not an honest billing system.
The problem with the day-one lump
Hand out a year of credit up front and every later event turns unfair for somebody. Cancel in month three and you have already spent credit you will not be paying for - so the company either eats it or claws it back with fine print. Upgrade mid-year and the old credit and the new credit tangle. Every fix for those problems is a paragraph of terms nobody reads.
What Donnie does instead: twelve installments, exact to the cent
An annual plan's wallet credit arrives as twelve monthly installments that sum exactly to the plan's annual credit - Foreman's $240 arrives as $20 a month, and the final installment carries any rounding so the year totals to the cent. Your Account page shows the whole schedule: how many installments have landed, how much is still to come, and the date of the next one. No mystery, no support ticket.
Plan changes, without the fine print
- Cancel mid-year and the remaining installments stop when your subscription does - you keep every installment that already landed, and credit for months you are no longer paying for does not keep arriving.
- Upgrade mid-year and your existing installments keep arriving at the old rate until renewal, when the new plan's full schedule takes over. If the upgrade bills you immediately, that payment earns wallet credit in exact proportion to what you actually paid - shown on your Account page as a prorated switch credit that runs to your renewal date, never dressed up as the full plan rate.
- Downgrade mid-year and the higher plan's remaining installments pause, because the unused time was credited back to you on the switch.
Every one of those numbers is integer arithmetic on your real invoice - the same deterministic discipline as our estimates. Nothing is generated, estimated, or rounded in the house's favor.
Why we can afford to say all this out loud
Each plan's credit is sized so the economics hold even if you use every cent - that is a design constraint we test in our own build pipeline, not a hope. Because the math works at full use, there is nothing to hide in the terms: no breakage assumptions, no expiring credit, no gotchas when you change your mind about a plan.
A billing system you would be comfortable explaining to a customer face to face - that is the whole standard.
You can see all of it without spending a dollar: every account starts with a $5 wallet, no card required. The plans are on the pricing page, and your Account page shows your own schedule the moment an annual plan starts.